Have you been consistent with your medical checkups? If not, then you are missing a lot. Going for your annual checkup has many benefits for your body. If you have a good doctor and have identified an affordable hospital that you can get an annual medical checkup at, then you have to get to consistent with all your doctor’s appointments. Here are some reasons why you want to make sure you get your medical done.

· Affordability

Getting a medical checkup is a very affordable way to keep healthy. First, you only have to pay for it once a year. If you have insurance cover though, it will even be cheaper. Some people argue that they need to pay for the medical before they can actually get an insurance cover. Today however, there are options that involve you getting cover for term life insurance with no medical exam. This will give you an upper edge and allow you to get your annual checkups.

· Knowledge

It is difficult to understand the body and how it functions. In some cases, you may feel fit and look like you are in great condition. Nevertheless, you would be surprised that your body is actually sick internally and developing bad complications. To find out how your body is doing and be aware constantly on whether you are sick or healthy, you need to get a medical done every year. With annual checkups, your doctor will be in a position to keep track of how your body is fairing on and advice you on what to do to stay healthy.

· Physician

When you and your doctor have constant communication and always keeping touch, then you have the benefit of having a doctor on call. If ever you get sick or you have an accident, you doctor would be in a position to know everything about your body and get on top of things. Medicals help since you develop a relationship with your physician, which is actually a priceless relationship because you need to have constant medical security. Choosing not to develop a relationship with a doctor is more expensive and time-consuming in the end should something happen to you. This is because a lot of test would have to be done on your body to determine your health status. Be wise and go for all of your medicals so that the safety of your health and future are assured.

One of the greatest inconveniences associated with getting insurance is the medical checkup. Many insurance providers have realized this and thus, they have started offering plans for those who are unable or unwilling to undergo a thorough medical examination prior to getting coverage. Therefore, no medical exam life insurance plans are gaining popularity in the market place. However, many insurance shoppers are not aware these plans exist, while others are very skeptical about them often terming them as “scams” or “fake”. Insurance plans that do not demand medical exams are very real, in addition to being very useful. These plans offer a convenient and fast process of getting insurance coverage.

· No medical exam

As the name suggests, the no medical exam life insurance plans do not require prior medical exams. Medical examinations are a standard requirement for traditional plans. By skipping medical exams, insurance applicants save many hours because they do not have to spend time driving and waiting at the doctors room. Therefore, people with pre-existing medical conditions and seniors can be qualified for this type of plan a lot easier. These types of plans have a downside in the sense that they are more expensive than regular plans. They are normally seen as a last resort for insurance shoppers who cannot access any medically underwritten policy. However, the plan is beneficial for anyone looking for coverage immediately and without a fuss.

· Have pre-existing condition

A pre-existing medical condition often refers to a health problem that was diagnosed, treated or investigated; or any signs and symptoms that were relied upon to lead to a diagnosis; or an event that caused a claim to occur. If you have any pre-existing medical condition, you stand to benefit from a good plan. By purchasing such a plan, most of your insurance needs will be covered. Furthermore, getting this type of a policy is easy and convenient. This type of polices benefits both the insurance provider and the insurance applicant. Therefore, those who have any pre-existing condition, such as cancer, high blood pressure, diabetes and more, can get an appropriate coverage at competitive rates.

· Health questions

Holders of no medical exam life insurance may end up paying greater premiums because of the related insurance risks associated with these kinds of plans. However, in some instances, applicants may be required to fill out a health questionnaire, which helps a great deal in reducing their premiums. The questionnaire can be filled at the point of making the initial application or 2-3 years down the lane, upon receiving coverage. This allows the insurance provider to access the risks they will be carrying once an applicant receives coverage or to review the terms.

You might have heard of the old saying,” Health is Wealth” which seems a simple sentence but its significance and meaning is so deep which says that the wealthiest thing you will ever own is good health. Being an extremely rich doesn’t do you much good if your health isn’t good and you can’t enjoy the money. Rich or poor, health is the one thing that all of us try to aim for because our happiness lies in our good health. Of course money do matters since we human beings has always strived to find money sources but a proper health is one of the most precious possessions we can have in this world. It is a treasure we should always remember to protect and take good care of & thus today health has become equivalent to the value of wealth. Though we cannot do much to prevent what is going to happen but by taking up precautionary measures, we can definitely protect the wealthiest thing of our life i.e. health. Thus it becomes so much important that we secure ourselves with a reliable health insurance plan.

Health Insurance – What is it?

Health insurance is nothing but a protection, a scheme that takes care of a person’s health when accidental and sudden medical emergencies occur. In other words, it will provide a cover to you and your family against sudden medical emergency. Here the insured person is expected to pay a specific premium amount regularly to utilize coverage benefits. Depending on the premium paid, the health insurance policy will pay specified amounts for the medical expenses incurred to overcome the health problem.

Your health insurance policy is going to be your security, which would pay for medical expenses if you face an emergency; including disability or long-term nursing, depending on the plan you choose. Thus you can rest assured that unexpected expenses in case of medical emergencies will never find you helpless.

Why Health Insurance?

Health is an asset as we all know. We are happy, only if we are healthy. Thus here arises the need of an health insurance. Also, medical expenses have sky rocketed these days. An appointment with a doctor might churn out your big bucks. The detailed medical treatment expenses could eat into your savings meant for the future. Thus health insurance policy kicks in to ensure that you get the required treatment and your pocket is still under control.

Health insurance is required when an individual is ill or requires medical checkups. It can prevent the patient from being expected to pay out of pocket expenses towards medical bills because they do not have any health insurance. Without health insurance, one may even not be able to afford expensive medical services when needed.

Benefits of Health Insurance:-

If you are taking care of all your expenses on your own then it is a wise decision to buy an individual health policy. Ideally you should look for the following benefits that these health policies give like:-

It provides coverage for your hospitalization and medical bills

It reduces saving huge amount of financial losses, risk of financial breakdown in case of expensive medical and post-illness care.

It induces a sense of financial security to the insured & his family members.

It also provides a monthly benefit to help maintain financial stability while you recover from a disability.

Thus health insurance can help you and your loved ones to maintain the same lifestyle. It can pay the bills, secure better health care and allow you to focus on what’s important-recovery.

Types of Health Insurance:-

There are mainly three types of Health Insurance covers:

1. Group insurance : Group medical insurance offers insurance cover to a group with a common trait – it may be employees of a company, members of a club or an association or members of a co-operative society etc. Many employers now provide medical insurance as a perquisite to their employees.

2. Individual Mediclaim : This is the simplest form of health insurance policy & caters to the specific needs of an individual. It covers the hospitalization expenses for an individual for up to the sum assured limit. The insurance premium is dependent on the sum assured value.

3. Family Floater Policies : These policies are enhanced version of the mediclaim policy. A floater is a unique plan wherein the value of sum insured opted can be used by all the members of the family i.e each opted family member comes under the policy. The premium for family floater plans is typically less than that for separate insurance cover for each family member. Family floater makes sense for a family because each one in family gets a big cover.

Before going for a health policy, you need to research and understand them well. It would be a good idea to visit the sites of the various health insurance companies online to understand what they offer. You could take this one step further by meeting up with the agents of the various insurance companies, who would then advise you on what health policy is available with them and how that can be matched to your requirements.

Thus it is important to secure yourself with a reliable & strong health policy as it is the need of the hour because there are many hazards around you that might hinder your good health. You cannot buy ‘health’ but can stay secure by buying health insurance policy of your choice to face any medical emergency. So, go get the right health plan and secure yourself.

It is true that medical insurance rates are on the rise due to the high cost of medical care services. It is important that we get the right medical insurance service. This is necessary because sickness can attack anyone at anytime.

There are different types of health cover deals. The company you are working with should provide you free consultation on the right plan for you. Most companies provide some form of health insurance service to its staff. If the cover plan you are getting from your employer is not comprehensive enough then you need to get the right coverage yourself.

It is possible that you already know what you need in the plan you want to buy; at this point you will ask direct questions well targeted to your need e.g. will you be using this service all the time or when needed? If you will only make claims during emergencies, it will be wise for you to opt for higher deductibles. The higher the deductibles, the lower the premium you pay eventually and this may also qualify you for a no-claim bonus and benefits annually.

Most times, your medical insurance service should cover hospitalization costs and injury bills if there an accident and injuries are sustained. Leading health insurance companies provide added services like physician aids, drugs and pharmaceutical additions, occasional medical checkups etc.

Take note when purchasing a plan. It is important that you buy a quality service. Your health is very important so get the ideal medical cover deal. Where To Get Leading Companies of Health Insurance and Compare Their Rates Online?

Medical examinations tend to be a limiting factor to many people who may want to take a cover – they see the whole process as time-consuming and expensive. However, many companies insist to know the health conditions and the general fitness of an individual to value the amount of compensation at an appropriate time. It should come to the understanding of many people that the medical processes are not time-consuming nor expensive, due to modern science and qualified personnel who are used in the medical departments. Insurance is very important, since it pays for funeral expenses, debts payments, and tax payments and may be divided among heirs in case it is excess.

The common type that requires no medical examination is the term insurance, which requires compensation for a set period. Cover for term insurance is mainly taken for a period up to 20 years to the maximum and 5 years to the minimum. After the expiry of the term cover, the individual may opt to renew the cover or leave the cover to expire and continue with another, which may favor the particular individual.

Many covers that do not require medical examination mainly cover deaths that are caused by natural calamities such as accidents and murder and exclude those caused by ignorance like suicide. Life cover with no medical checkups is mainly advocated for the young people and many insurance companies mainly recommend that because the young individuals have a low risk and possibility of passing away. They also possess fewer diseases and ailments that are likely to expose them to death. Again, before their death enough amount of money of accumulated which will cater for the resulting expense and excess divided to their heirs.

Life insurance covers with no medical examination are required to people with high risky jobs such as mining in under caves, explosive experts, security agents among others. This is because their work environments are risky and they may die abruptly not from early sickness. In addition, those seeking temporary jobs may take a term cover with no medical examination as they search for more permanent jobs after which they can take medical checkups.

Mainly the cost of no examinations policies may vary from one company to another but in most cases they are a bit high in most companies because of lack of failure to access liability risks i.e. assumptions are made for the compensation to be made. However if you wish to renew your policy with that same company rates will be high than you initially paid because you are older than you were previously.

The major benefit of no-medical examination insurance is that much time and costs are saved with no need of providing blood and urine samples to medical experts. In addition, there is no purchasing of exam coverage. Another major benefit is that it provides financial stability to your loved ones in the event of death.